Visa FANF Fee - The Fixed Acquirer Network Fee (FANF) is a direct pass-through
fee from Visa on a merchant Taxpayer ID basis (TIN). The rate assessed to each
Taxpayer ID will be determined based on channel and Merchant Category Code (MCC). The
FANF applies to all Merchant Service Providers in the United States.

Mastercard Digital Enablement Fee

Commercial Card Data Fee

American Express Pricing (Optional):

< $75: 2.59% + $0.10 per transaction

$75 - $1,000: 2.79% + $0.10 per transaction

> $1,000: 3.19% + $0.10 per transaction

plus 0.30% for transactions that are not swiped

Card Swipe pricing applies to "Qualified Cards." Corporate Cards, Business Cards, and some
rewards cards are "Non-Qualified" and will be processed at the Card Not Present Rate. Reward cards
will also be assessed an incremental 0.11% pass-through cost.

The Inactive Account fee will be charged to any account that is inactive for 3
consecutive months. You can avoid the "Inactive Account Fee" by using the system during the
prior month to: (1) Submit 3 new loan applications,
OR (2) Process $10,000 in credit/debit card volume,
OR (3) Run 25 non-recurring check transactions.